We used Mike with VIP Mortgage for our refinance in November 2020. We got a no obligation quote from Mike and were immediately floored with the savings we got in comparison to other companies. Mike was extremely attentive to our questions and requests with prompt answers. Mike’s communication was superior during the process and could not be more pleased with our decision. The entire process from start to finish was weeks, not months. We have absolutely zero complaints and are actually upset with ourselves for not calling Mike sooner. Five star service, five star communication, five star savings. Highly recommend Mike and VIP.